Josh Pugh's Cards

💳 2 cards
Condensed
Compact
Extended

Chase Sapphire Reserve®

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 15%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 15%)
🍴 10x on Dining (Ultimate Rewards) (worth 15%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

22.49% - 29.49% Purchase APR
22.49% - 29.49% Transfer APR
29.99% Cash Advance APR

Fees

$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 15%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 15%)
🍴 10x on Dining (Ultimate Rewards) (worth 15%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

22.49% - 29.49% Purchase APR
22.49% - 29.49% Transfer APR
29.99% Cash Advance APR

Fees

$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton
🔽 Expand

Apple Card

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

✈️ 3x on Uber
🍴 3x on Panera
🍴 3x on Uber Eats
3x on Exxon
3x on Mobil
🛍️ 3x on Apple
🛍️ 3x on Walgreens
🛍️ 3x on T-Mobile
🛍️ 3x on Nike
🛍️ 2x on Apple Pay
♾️ 1x on Everything Else

Rates

10.99% - 21.99% Purchase APR

Fees

$0 Foreign Transaction Fee
$0 Late Payment Fee

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

✈️ 3x on Uber
🍴 3x on Panera
🍴 3x on Uber Eats
3x on Exxon
3x on Mobil
🛍️ 3x on Apple
🛍️ 3x on Walgreens
🛍️ 3x on T-Mobile
🛍️ 3x on Nike
🛍️ 2x on Apple Pay
♾️ 1x on Everything Else

Rates

10.99% - 21.99% Purchase APR

Fees

$0 Foreign Transaction Fee
$0 Late Payment Fee
🔽 Expand
Powered By MaxRewards
Use Josh's referral code fq86 to get 1 month of MaxRewards Gold for free! Plus: They also get a month of MaxRewards Gold for free!